Getty Images For those who are ready to take the leap into budgeting, creating a spreadsheet from scratch isn’t necessary. You can save time and hassle by using a premade budget worksheet.

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It's hard for me, too. It's not easy to stay on track when AirPods and TVs are around 40% off. But I'm able to decide what's worth spending my money on thanks to an old TikTok trend -- loud budgeting.

Tracking monthly expenses can help you get an accurate picture of where your money is going and where you’d like it to go. Here’s how to start expense tracking.